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Financial planners offer individuals and their families personal, strategic and
comprehensive plans to meet wishes or goals. Plans and goals never stay the same for
TIME brings change to both.
Lifecycle Planning
Financial planners will assist in identifying realistic goals and advise how they
are best achieved, at each stage of the lifecycle. The seven traditional stages of a
lifecycle each brings is own financial needs;
- Childhood - family savings
- Single person - career and skills
- Young marrieds - savings and housing
- Young married with kids - protection, education
- Middle age with kids - retirement thoughts
- Middle aged - financial excess, leisure
- Retirement - fixed income, inheritances
Catastrophes of Life
The path through the seven stages of life is not altogether plain sailing.
Illness, accident injury, death, redundancy, divorce, wreak havoc with personal finances,
goals and plans. The statistical chance of avoiding all of life's catastrophes is slim.
Coping well financially with a catastrophe is made possible by judicious planning.
Financial independence at these times helps meet the mental anguish of the loss of health,
physical ability, a loved one, employment or a partner.
Bringing Dreams to Reality
Getting ahead in life, given a successful career, business, a win on the lottery,
an inheritance or simply a goal of early retirement and abundant leisure pursuits,
may be a dream for many of us. Financial planners can assess through detailed
strategic plans whether dreams can be turned to reality.
The personal relationship financial planners seek is based upon mutual trust and
respect. Without trust and respect there can be no confidence in the life time services
we aim to deliver and be judged upon.
Objectives
As financial planners, a client's dreams, goals, wishes are vitally important.
Individuals have identified the following important objectives;
- INCREASE my spendable income
- IMPROVE my quality of life
- INCREASE the return on my investments
- REDUCE my paperwork
- IMPROVE my understanding of pensions/annuities
- FIND more time for me to play golf
- PROVIDE for my long term care
- REDUCE my personal, business and investment risk
- INCREASE my income to give to charity
- ACHIEVE my financial independence
- REDUCE time spent worrying over financial matters
Financial planners are humbled by the trust and confidence in the personal information
we must possess to be effective and successful in our work. The financial care we
offer requires consultation on all major financial/investment decision;
Mission Statement
- to share our financial knowledge/skills with all clients
- be truthful, honest
- be independent and impartial
- be objective and pro-active
- avoid surprises
- only to promise what can be delivered
- to target investment returns that keep apace with inflation
- to achieve cost and tax savings over time
- not to make clients ever wealthier for that is for them, but to avoid
clients becoming poor from a known position of wealth.
- be guided by professional ethics statements
- to judiciously and wisely plan head
Our judgement/advice may not always be right 100% of the time and will be the basis of
informed decisions taken together. |
